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 River Valley Credit Union Miamisburg, OH Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
River Valley Credit Union Miamisburg, OH's CD - 60 month rates are at 4.10%, CD - 48 month rates are at 4.00%, CD - 36 month rates are at 3.95%, CD - 24 month rates are at 3.90%, CD - 18 month rates are at 3.85%. River Valley Credit Union Miamisburg, OH's savings rates are at 2.00%. River Valley Credit Union Miamisburg, OH's money market rates are at 2.65%. River Valley Credit Union Miamisburg, OH's Personal Loan Rates are as low as 17.66%. River Valley Credit Union Miamisburg, OH's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of River Valley Credit Union Miamisburg, OH with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.96%. Rates last updated and verified on 10/30/2026. River Valley Credit Union Miamisburg, OH money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at River Valley Credit Union Miamisburg, OH? Share your experience about River Valley Credit Union Miamisburg, OH by leaving a review below, or read customer reviews before you decide to use River Valley Credit Union Miamisburg, OH. River Valley Credit Union Miamisburg, OH
Main Office Corporate Headquarters 505 Earl Blvd
https://www.rivervalleycu.org Miamisburg, OH 45342 Privately insuredNot NCUA Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. River Valley Credit Union Miamisburg, OH CD Rates
River Valley Credit Union Miamisburg, OH Savings Rates
River Valley Credit Union Miamisburg, OH Money Market Rates
River Valley Credit Union Miamisburg, OH Checking Rates
River Valley Credit Union Miamisburg, OH Auto Loan Rates
River Valley Credit Union Miamisburg, OH Personal Loan Rates
River Valley Credit Union Miamisburg, OH Other Rates
Financial Health HistoryRiver Valley Credit Union Miamisburg, OH’s Texas Ratio stayed near 2.51% in Q3 2023 to 2.96% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for River Valley Credit Union Miamisburg, OH is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather River Valley Credit Union Miamisburg, OH rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with River Valley Credit Union Miamisburg, OH's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
River Valley Credit Union Miamisburg, OH
Website
https://www.rivervalleycu.org
Address
505 Earl Blvd,
Miamisburg, OH 45342
Phone
937-859-6260
Fax
President
Daniel Gorman
CEO
Lee Spivey
Full-Time Employees
89
Part-Time Employees
3
Branch Locations
7
ATM Locations
6
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.96%
Return on Assets (ROA)
0.4502%
Return on Equity (ROE)
3.7474%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
502,275,905
Total Amount of Shares and Deposits
434,989,613
Total Shares and Deposits < 1 Year
383,181,911
Total Shares and Deposits 1 3 Years
38,691,368
Total Shares and Deposits > 3 Years
13,116,334
Total Interest Expense (Sum of items 6 8)
4,348,131
Share Certificates
3,338
Number of Accounts for Share Drafts
13,426
IRA KEOGH Accounts
1,144
Number of Accounts for Regular Shares
33,165
All other shares
169
Money Market Shares
1,825
Net Income (unless the amount is already included in Undivided Earnings)
2,261,174
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,355,274
Total Liabilities
445,568,911
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About River Valley Credit Union Miamisburg, OHDoes River Valley Credit Union Miamisburg, OH offer CDs?Yes. River Valley Credit Union Miamisburg, OH current CD rates include its CD - 60 month at 4.10% APY, its CD - 48 month at 4.00% APY and its CD - 36 month at 3.95% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from River Valley Credit Union Miamisburg, OH NCUA insured?No. River Valley Credit Union Miamisburg, OH is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at River Valley Credit Union Miamisburg, OH?The highest River Valley Credit Union Miamisburg, OH CD rate is its IRA CD - 60 month at 4.20% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does River Valley Credit Union Miamisburg, OH offer?River Valley Credit Union Miamisburg, OH CD rates are 3.80% APY for a 12 month CD, 3.85% APY for an 18 month CD, 3.90% APY for a 2 year CD, 3.95% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with River Valley Credit Union Miamisburg, OH for its full lineup. What is the highest savings rate at River Valley Credit Union Miamisburg, OH?The highest River Valley Credit Union Miamisburg, OH savings rate is its IRA Savings at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at River Valley Credit Union Miamisburg, OH?The highest River Valley Credit Union Miamisburg, OH money market rate is its Money Market at 2.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at River Valley Credit Union Miamisburg, OH?The highest River Valley Credit Union Miamisburg, OH checking rate is its Money Market Checking at 2.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at River Valley Credit Union Miamisburg, OH?The lowest River Valley Credit Union Miamisburg, OH auto loan rate is its Auto Loans at 5.09%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at River Valley Credit Union Miamisburg, OH?The lowest River Valley Credit Union Miamisburg, OH personal loan rate is its Personal Loan - 36 Month at 10.99%, verified by MonitorBankRates as of October 30, 2026. How many branches does River Valley Credit Union Miamisburg, OH operate?River Valley Credit Union Miamisburg, OH currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join River Valley Credit Union Miamisburg, OH?Yes, to access services at River Valley Credit Union Miamisburg, OH, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, River Valley Credit Union Miamisburg, OH does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, River Valley Credit Union Miamisburg, OH provides members with tools to manage their accounts and build a solid financial history. Does River Valley Credit Union Miamisburg, OH offer online and mobile banking?Most modern institutions like River Valley Credit Union Miamisburg, OH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rivervalleycu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do River Valley Credit Union Miamisburg, OH rates compare?River Valley Credit Union Miamisburg, OH's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. River Valley Credit Union Miamisburg, OH's top rates are its IRA CD - 60 month at 4.20% APY, its IRA Savings at 2.00% APY, its Money Market at 2.65% APY and its Personal Loan - 36 Month at 17.66% APR, verified by MonitorBankRates on October 30, 2026. Current River Valley Credit Union Miamisburg, OH Rates
Retrieved from our database of financial products. Rates subject to change.
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